Mortgage Calculators For Expats

Stamp Duty Calculator

Use our free online stamp duty calculator to calculate the stamp duty you will pay on a residential property purchase in the United Kingdom (excludes Scotland & Wales who require a different tax).

You must pay Stamp Duty Land Tax (SDLT) if you buy a property over the current SDLT threshold of £125,000. When you are done, please consider contacting us for a free expat mortgage quote.

Free Online Stamp Duty Calculator

Use our free online stamp duty calculator to calculate the stamp duty you will owe on a residential property purchase in the UK (excludes Scotland & Wales who require a different tax).

You must pay Stamp Duty Land Tax (SDLT) if you buy a property over the current SDLT threshold of £125,000.

Try our calculator below.

Calculate Stamp Duty (SDLT) in England & Northern Ireland

There are different rules if you or the person you’re buying with are first time buyers purchasing their first home and the purchase price is less than £500,000. Anyone buying an additional residential property worth £40,000 or more will have to pay additional stamp duty even if the property you already own is abroad.

You must send an SDLT return to HMRC and pay the tax within 14 days.

We recommend checking the stamp duty rates below so you know exactly what you’ll have to pay and there are no surprises during your next property purchase.

Stamp duty on 2nd homes & buy-to-let property

As of 1st April 2016, if you’re purchasing a second home or buy-to-let property you have to pay an additional 3% surcharge on each stamp duty band.

Additionally, the way stamp duty rates for residential purchases are calculated within England and Wales were changed in 2014.

The old structure was replaced with a progressive scale of charges levied on all transactions over £125,000.

The new percentages apply to the value above each threshold up to the full purchase price, for example, in the same way that income tax operates.

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Calculate Stamp Duty:

This calculator is provided as a guide only on how much stamp duty land tax you will need to pay in England and Northern Ireland. It assumes that the property is freehold and for residential purposes.

Liquid Expat Mortgages Reviews

Read reviews about Liquid Expat Mortgages left by our clients on Google.


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Safina Saddique
51 days ago
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We had an excellent experience with Raja Majeed at Liquid Expat. From start to finish, he was professional, knowledgeable, and incredibly supportive throughout the mortgage process. He kept us updated every step of the way, explained everything clearly, and was always available to answer our questions, making what could have been a stressful process feel straightforward and manageable. Raja’s attention to detail and dedication gave us confidence throughout, and he worked hard to ensure everything progressed as smoothly as possible. We truly appreciated his patience, honesty, and commitment to achieving the best outcome for us. We would highly recommend Raja Majeed and Liquid Expat to anyone looking for expert mortgage advice and outstanding customer service. Thank you for all your help!
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Leonarda and Callum H.C
149 days ago
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I’ve had a great experience working with Liquid Expat who helped me on an expat remortgage. Joe and Liam provided great service and helped me through the whole process. I would definitely recommend to anyone needing a mortgage
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Heather Mitchell
237 days ago
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My experience with Liquid Expat Mortgages was outstanding. I was incredibly lucky to be allocated Julie, who went above and beyond throughout the entire process. She even stayed up past midnight on one occasion to help move things forward and offered not just professional support, but emotional reassurance too—something that made a real difference in what was a high-pressure situation. Julie is exceptional with complex mortgages and has strong relationships across a wide range of banks, which enabled her to expedite things quickly and smoothly. I’d thoroughly recommend her to anyone looking for expert, committed support with expat or cross-border mortgage needs.
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Tony M
273 days ago
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Fantastic experience. John and Vanessa have been amazing. Despite our case being more complicated than most, their diligence, perseverance and professionalism at every step of the way meant we were able to secure a mortgage and proceed with a property purchase in the UK as expats from a distance. Their communication is a key strength and one of the main reasons we have now used them twice and recommended them to others. If you are an expat struggling with finding a mortgage - don't waste your time trying to deal with anyone else.
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Peet Kok
279 days ago
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Joe and his team were great. So helpful and professional. Highly recommended for anyone in need of a mortgage, especially if more complex and challenging circumstances apply.
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Hailey Luk
442 days ago
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The entire mortgage approval process was impressively quick — it only took around three weeks to complete. Although there was a small misunderstanding at the beginning, it was resolved very promptly. A big thank you to Vanessa and Kenneth for providing regular updates, following up closely throughout the process, and helping to resolve any issues along the way. Their professionalism and responsiveness made the experience smooth and reassuring. Truly appreciate all your support!
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Optimistic
471 days ago
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David: I can rightfluly say that your swift work was life changing- Thank you. David even called on Saturday to break a good news so that we can enjoy and spend a happy weekend *( instead of full of anxiety weekend)... and in just few days and at the incredible rate. It was soo good and soo quick and such a great rate, that I started to even doubt if its real. Its all real- best happiest experience with David and the team. Huge thank you. It goes in a bucket of happy memories.
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H Coops
593 days ago
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Excellent service from start to finish with Liquid Expat! Vanessa and Ian made the process of buying a property in the UK while living abroad completely seamless. Their communication has been outstanding, always responding promptly to any queries we had and keeping us informed every step of the way. Highly recommend their professional and efficient team.
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Bally Binji
636 days ago
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An incredible service offered by Liquid Expat Mortgages. David Mowatt totally 'saved my life' with the practical advice and guidance he gave me. He called me within 10 mins of me uploading my details and immediately started to give ideas on what I could try. He then even suggested contacting my existing provider and asking for a 6 Month Payment holiday - which they then granted! I cant thank you enough David for such a gracious, self less act. I shall have no hesitation to recommend your services and come back for any mortgage assistance in the future.
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Paula Fielding
726 days ago
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Absolutely top class and very professional service from Philip Clarke and Vanessa Govender with a real personal touch. Both have been extremely helpful, efficient, kind and courteous and have really put me at ease and done their absolute best to help me attain a mortgage. I hugely appreciate their efforts and assistance and highly recommend them both for recognition in their company and to anyone seeking an expat mortgage.

Liquid Expat is your Specialist Expat Mortgage broker

As the No 1 specialist expat mortgage broker with over 13 years’ experience, we have the resource and experience to assist you with finding the best expat mortgage to meet with your needs and expectations.

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